574 Junction Rd, Esperance, NY 12066 Property Records

Schoharie County and Esperance Town property record for 574 Junction Rd, Esperance, NY 12066

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,600 sqft · built 2001
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$15,000 (Dec 1998)
Tax Bill	$3,211 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`433089 37.-3-17`

Property Details

APN / Parcel Number

Primary APN	`433089 37.-3-17`
Alternative APNs	`308903700000030170000000` `455L182009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	60,984 sqft (1.4 acres)
Lot Width	530 ft Width

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	455L182009
Street Address	574 JUNCTION RD
City	ESPERANCE
State	NY
Zip	12066
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	17.000
Jurisdiction	SCHOHARIE NY
Township / Civil Division	ESPERANCE
Census Block Group	1
Census Block	1001
Census Tract	740100

Owner

Source: Schoharie County and Esperance Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1, HOWES CAVE, NY 12092-0001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 1998 · Amount on Record
Deed Sale	Dec 4, 1998 · Amount on Record
Deed Book / Page	644 / 268
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHOHARIE NY
Property Address	574 JUNCTION RD, ESPERANCE, NY 12066
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002050/181
Date	Sep 1, 2023
Book Page	2050/181
Instrument	822479

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Schoharie County and Esperance Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schoharie County
County Subdivision	Esperance Town
Unified School District	Schoharie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,211.00 (+3.98%) Homeowner's exemption Senior Citizen's exemption
2025	$3,088.00 (+156.05%)	$85,000 (-) Land $12,900 Building $72,100	$137,097 (+7.11%) Land $20,806 Building $116,291
2023		$85,000 (-) Land $12,900 Building $72,100	$127,993 (+15.19%) Land $19,425 Building $108,568
2022		$85,000 Land $12,900 Building $72,100	$111,111 Land $16,863 Building $94,248
2021	$1,206.00 (-51.59%)
2020	$2,491.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	17 (1987–2011)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 7 claims Severe Storms And Flooding, Apr 2005 · 5 claims Flooding, Apr 1987 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20